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Serving Chapel Hill, Durham, Raleigh, Greensboro, Wilmington, Charlotte, Morehead City and all of North Carolina.

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How to Build Credit For a Mortgage Starting This National Homeownership Month

June 19, 2025 by Robby Oakes

June is National Homeownership Month, a time to celebrate the dream of owning a home and offer guidance to those preparing to take that important step. One of the most impactful things you can do right now is to begin building or improving your credit. If you plan to purchase a home in the next 6 to 12 months, the work you do today could make a major difference in the loan terms you receive later.

Filed Under: Homeowner Tips Tagged With: Build Your Credit, First-Time Home Buyer, Home Buying Goals

Celebrating National Homeownership Month and How First-Time Buyer Programs Make It Possible

June 18, 2025 by Robby Oakes

June is National Homeownership Month, a time to celebrate the dream of owning a home and spotlight the many programs designed to help first-time buyers turn that dream into reality. For many Americans, the biggest challenge to buying a home is coming up with the funds for a down payment or qualifying for a loan. Fortunately, there are a wide variety of mortgage options and assistance programs available to make homeownership more achievable.

Filed Under: Home Buyer Tips Tagged With: First Time Buyer, Homeownership Dream, National Homeownership Month

The Emotional Rewards of Homeownership and Why It’s Worth Celebrating in June

June 17, 2025 by Robby Oakes

June is National Homeownership Month, a time not only to talk about the practical steps toward owning a home but also to reflect on the emotional rewards that make the journey worth it. As a mortgage professional, I spend a lot of time working with numbers such as credit scores, down payments, and interest rates. But the most powerful part of homeownership is what cannot be measured with a calculator.

Filed Under: Real Estate Tagged With: Emotional Value Of Home, National Homeownership Month, Why We Own

What’s Ahead For Mortgage Rates This Week – June 16th, 2025

June 16, 2025 by Robby Oakes

The CPI and PPI have yet to reveal the impacts of the tariff policies that were placed temporarily, which gives some potential insight that there might be a path forward for the Federal Reserve to look at potential rate cuts. However, economists across many industries are expecting inflation to increase temporarily as an impact for the policies that were put in place.

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

Creative Strategies for Saving on Closing Costs

June 13, 2025 by Robby Oakes

When you are budgeting for a new home, it’s easy to focus on the down payment, but do not forget the closing costs. These fees typically range from 2% to 5% of the home’s purchase price and cover things like the appraisal, title search, loan origination, and other administrative expenses. For many buyers, especially first-timers, they can feel like an unwelcome surprise.

The good news? There are creative, effective ways to reduce these expenses and make homeownership more affordable.

Filed Under: Mortgage Tips Tagged With: Closing Cost Tips, Homeownership Goals, Mortgage Tips

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Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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